The card comes through your report.
Not through tricks, not through providers that promise “guaranteed” — but by making sure that what issuers read about you is correct. FIAON takes care of that. The bank decides on card and limit.
Three routes to a card
A debit or prepaid card works today for open entries; a credit card with a small limit of €500 to €2,000 for settled entries and short histories; a full limit up to €25,000 with a good file and the headroom to match.
How the limit grows over twelve months
Month 0: your credit assessment from your bank statements; your data copy, requested by you, explained. Months 1–2: clean-up and current account. Months 2–4: first card, often with a small limit. Month 6: first review after statements settled on time. Month 12: the limit that income and headroom allow. A typical course, not a promise.
What issuers see
Negative entries, credit enquiries, account behaviour, address and identity, headroom. FIAON checks every entry for its legal requirements (Section 31 BDSG), makes no enquiry without your approval and prepares corrections under Art. 16 GDPR.
- Free card check: five inputs, no enquiry, no trace
- Headroom calculator: income minus fixed costs
- No guarantee, no score trick, no flood of enquiries
Frequently asked questions
Can I get a credit card with an open entry?
With a limit, practically never. A debit or prepaid card, yes — and in parallel the entry should be checked: is it justified? When does the deadline expire? The block is often shorter than you think.
How high is the limit at the start?
With settled entries or a short history usually €500 to €2,000. After six months of statements settled on time, issuers review. The card partner's threshold is €25,000.
Does the card application hurt my report?
A credit enquiry is stored for twelve months and visible to others for ten days. That is why you apply via our partner bank's link only once the report supports it — and never for several at once.
Which card do I get through FIAON?
A credit card from a card partner, Mastercard or Visa depending on your profile, with a monthly statement. Which one exactly is settled in the onboarding call on the basis of your credit assessment.
What does the card cost?
The card fee is set by the issuer and named beforehand. If you open an account via our partner bank's application link, FIAON receives a fee for it; this costs you nothing — the plan price is the price.